Asset Management

a.s.r. aims to contribute to a more sustainable world through its investments. To this end, it takes into account the impact on people and the environment, and excludes investments linked to controversial activities. With a long-term perspective and consideration for future generations, a.s.r. invests in responsible solutions. These investments are managed across three business units: Asset Management, Real Estate and Mortgages.

Read more below about how a.s.r., as an investor, puts its sustainability ambitions into practice.

Asset Management manages a.s.r.'s investments for Life and Pensions, as well as investments of premiums from other insurance products. All investments are screened for social and environmental factors and governance criteria, in line with the Policy on Responsible Investments.

Countries and companies that do not meet these standards are excluded. a.s.r. makes additional investments in countries and companies that contribute to a more sustainable society, such as organisations focused on the energy transition and mitigating climate risks. Healthcare and education are also important investment themes for a.s.r.

Asset Management does not invest in tobacco or gambling industries. It also excludes companies that generate a significant share of their revenue from nuclear energy, oil shale or coal. Companies must comply with international standards on human rights, labour rights and environmental protection. For government bonds, a.s.r. asset management excludes countries that perform poorly on corruption, democratic freedoms and environmental criteria.

Since 2024, a.s.r. has the option - under strict conditions - to invest in Dutch companies or activities linked to the defence industry.

Asset Management applies criteria relating to gender equality, living wages, freedom of association and the exclusion of child labour. It also engages in constructive dialogue with investee companies to help create long-term value, both financially and socially.
More information:
- https://asrassetmanagement.com/
Real Estate has been managing property on behalf of institutional investors for more than 130 years. Through sector-specific funds, it invests in retail properties, residential assets, offices, farmland, science parks and renewable energy. It also provides strategic advice and fiduciary management through separate accounts, including international mandates. Its mission is to create ‘perpetual value’: property that delivers sustainable returns while contributing to broader societal objectives.

Real Estate is committed to reducing negative environmental impacts. Addressing climate change is therefore a key priority. The business has committed to lowering the ecological footprint of its portfolio and improving the sustainability performance of the assets it manages.

Real Estate has developed a biodiversity framework that is integrated into its acquisition and renovation plans, ensuring that biodiversity is consistently taken into account when acquiring or refurbishing property. In addition, two further categories of nature-related measures have been implemented: improving data quality and enhancing biodiversity at building level. The nature strategy for farmland focuses on green leasing practices and landscape features. For wind and solar park projects, a.s.r. real estate’s nature strategy centres on identifying the ecological impact of renewable energy projects and taking appropriate measures in response.

Real Estate aims to reduce the use of new materials and minimise waste by incorporating circular construction principles and related objectives into the design requirements for new buildings and major renovations.

More information:

https://en.asrrealestate.nl/.
Mortgages provides and manages mortgages for private customers under labels such as WelThuis and DigiThuis. Its services focus on clear and comprehensible products, careful customer management and tailored support in cases of payment difficulties. Through a dedicated customer team and transparent communication, a.s.r. supports customers in taking on and managing long-term financial commitments. Operational processes are designed to ensure reliability and transparency, with strict control mechanisms and close cooperation with partners such as Stater and Mender.

Sustainability is a core element of the mortgage business’s vision. Mortgages encourages energy-efficient homes by financing CO₂-reducing measures, such as solar panels, through the sustainability mortgage. Customers are actively guided in making more sustainable choices, with the aim of supporting CO₂ reduction and strengthening financial self-reliance.